$25 retirement notes

$25 retirement notes

Notes to the Group financial statements

Retirement and death in service benefits are provided for eligible Group employees in the UK principally by the InterContinental Hotels UK Pension Plan. The plan, which is funded and HM Revenue & Customs registered, covers approximately 460 (2008 460) employees, of which 150 (2008 170) are in the defined benefit section which provides pensions based on final salaries and 310 (2008 290) are in the defined contribution section. The defined benefit section of the plan closed to new entrants during 2002 with new members provided with defined contribution arrangements. The assets of the plan are held in self-administered trust funds separate from the Group’s assets. In addition, there are unfunded UK pension arrangements for certain members affected by the lifetime allowance. The Group also maintains the following US-based defined benefit plans; the funded InterContinental Hotels Pension Plan, unfunded InterContinental Hotels non-qualified pension plans and post-employment benefits schemes. These plans are now closed to new members. The Group also operates a number of minor pension schemes outside the UK, the most significant of which is a defined contribution scheme in the US; there is no material difference between the pension costs of, and contributions to, these schemes.

In respect of the defined benefit plans, the amounts recognised in the Group income statement, in administrative expenses, are:

25 Retirement Plaque Wording Phrases

It’s especially true for retirees leaving a place of work where they have a venerable reputation, to have thought about what leaving means. A person who has given the better part of their working life to a company has undoubtedly earned the respect of authority figures and coworkers. In most cases, retirees are more concerned with how they will spend their earned free time, instead of becoming overly reminiscent about time spent on the job.

An important part of planning a retirement party is coming-up with suitable gifts that contain. These gifts must convey a sense of connection between the retiree and the remaining work crew, but must also carry a message of importance. Coworkers will have had ample time to get to know the personality and preferences of a person who is about to retire. This interaction is vitally helpful when choosing corporate gifts for a retirement party.

Retirement party and celebration gifts should combine the guest of honor’s favorite things with a bit of humor, lighthearted affinity, and class. Artwork is a great choice for giving at a retirement party. Memorabilia pertaining to the history and achievement of the company is also appropriate. Along with traditional parting gifts, things like photographic displays are a brilliant way to highlight a person’s career and contribution.

Plaques with sentimental messages are also a perennial favorite gift for coworkers to bestow upon retirees. These items are simple, yet can provide a summation of the thoughts and feelings of coworker groups in simple, straightforward statements. Retirement plaque wording can be creative and fashioned from a wide range of materials that also speak to the retiree’s importance.

If a retiree was mainly employed in a managerial position, wooden plaques with traditional golden engraved lettering are highly appropriate. Other plaques can be made using trophy-like motifs. Wooden, hanging plaques are exceptionally meaningful, and can be engraved with long, noteworthy messages. The gift of a hanging plaque is always a thoughtful gift, and something a retiree will treasure at home.

Other retirement plaques can reflect the nature of the business that a person is leaving. Sculpted concrete plaques for contracting and municipal retirees are wonderful. Brass and metal plaques for teachers and government workers have special meaning. Wooden plaques for people with careers in the arts and public service can be stunning and enjoyable when paired with a private celebration.

The most important part of a retirement plaque wording is the message permanently engraved on its face. The message must have special meaning to the recipient and the group giving the plaque. The range of messages is as broad as language itself. It should always combine appreciation for the retiree’s service, elements of the nature of his or her job, and a great deal of personality. Every retiree has the idea that his or her service is unique, so a retirement plaque should have words reflecting the recipient’s notion of self-worth and love for the job. The following are examples of appropriate plaque messages with retirement wording.

Take time off. It’s on us!

“Number” of years of service that are greatly appreciated.

In recognition for “number” of years of service.

Loyal, Trustworthy, and Professional.

Always the employee with a vision for the future.

Thank you for generations of support and commitment.

Exemplary veteran achievement at “company name.”

Here’s to earned permanent vacation time.

We remember when…”first year of employment.”

Your years of expertise helped grow this company.

Mr./Ms. “name” corporate emeritus.

Happy retirement! Never stop the commitment!

Our company can never replace your efforts. We can only learn from your example.

New horizons through solid examples!

Employee, contributor, teacher, mentor.

Through times of trial, and times of plenty. Thank you!

“number of years” at the same office…deserves at least two weeks on an island!

We remember “first employment year.”

You are loved, appreciated, and have our respect.

Happy retirement. Visit any time, but remember to check-in with the receptionist.

In honor of company service and “list the most important achievement.”

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Yesterday, Doug Hill, our Laissez Faire Club director, pulled us into his office.

“Look,” he said. “Your readers need to know about this investment opportunity.”

“OK, great,” I said.

He fired up his computer and opened my eyes to an investment I’ve only heard in passing, but never actually saw in action — like leprechauns, unicorns, and bank account interest.

But unlike any of those things, this investment opportunity allows you to collect monthly checks — and it only takes $25 to start.

And here’s the best part…

“From beginning to end,” he told me, “this took 10 minutes to set up.”

It was our Unconventional Wealth editor, Ryan Cole, who showed it to Doug. Ryan calls it the “$25 Retirement Plan.”

But that’s not the only time I heard about it yesterday…

Later in the day, Addison Wiggin, Laissez Faire’s executive director, wrote about this investment opportunity, too. Apparently, he saw the light a while ago.

Here’s what he wrote in an email…

Forget that pathetic 0.06% interest rate on your savings account.

Savvy income investors are flocking to a revolutionary new investment opportunity set to smash the grip of traditional banks on lending… and returning huge interest rates for investors.

The Wall Street Journal even reported that this new income source “pays a 10% average annual interest rate…”

And research shows 99.9% of investors have made money by sticking to one incredibly simple “protocol.”

Returns are so reliable that major hedge funds are scrambling to get in on this now…

Former U.S. Treasury secretary Larry Summers even noted this new asset class could “transform finance over the next generation.”

Consider yourself warned: Opportunity is limited. Not everyone will be able to get in.

Yes. We plan to “get in” soon…

But, of course, we’re not going to get in without giving you first dibs.

Before we show you what this investment opportunity is and how it works, here’s why we’re bringing it up today…

You might’ve noticed Doug mention a new project — or multiple projects, rather — in your recent issues of Laissez Faire Letter. As he wrote in September’s issue:

“We’re embarking on a series of projects that could be worth much more than a million dollars to you, putting you in a position to improve your lifestyle while simultaneously giving you the freedom to ignore the upcoming election.”

And, you’ll recall, in your current issue, he showed you what this project is all about. Plus, he gave you a hint on how the $25 Retirement Plan actually works…

Whether in marriage, business, or investing, it’s the prudent one who seeks out successful people and emulates them.

Once you determine who meets your criteria of “successful,” the important questions become somewhat obvious. How did they become successful? And more importantly, are their actions easily replicated?

I’m glad you asked…

In researching investment tools used by the wealthy, I stumbled on a term often enough to take note.

Passive income. It’s income received on a regular basis with little effort required to attain it. Sounds good to us.

Here are a few passive income sources millionaires use that you should consider adding to your investment mix.

Notice these passive income sources do not require you to put more money into the casin… eh, stock market. And to us, that’s the whole point.

These investments are not subject to the political whims of central bankers and emotionless trading algorithms.

Our goal is to help you organize your life in a way that offers you the freedom to enjoy it to the fullest. And no, it’s not just about money.

It’s what money affords you… peace of mind.

So… now that you’re all up to speed, let’s get to it…

Below, Ryan will introduce the $25 Retirement Plan, and then guides you to a website that’ll tell you everything you need to know to get started.

Every year, it seems like the “American dream” is slipping further and further away.

Retirement is beginning to be a pipe dream — a result of low wages, increasing life expectancy, and a (soon to be) shriveled-up Social Security system. To make matters worse, millennials, who will likely live longer than any of their predecessors, are drowning in student debt.

Don’t believe me? Back in 2003, student loans amounted to less than $300 billion. Today, student loan debt has grown to over $1.2 trillion. That’s up 300% since 2003 — and is greater than the credit card debt of the entire country.

This, coupled with the fact that entry-level positions are paying next to nothing, means that millennials will have less time to save for a retirement that, when they reach it, probably won’t be padded by the government.

The fact is traditional methods of investing are not going to deliver you the returns you want, nor will they help fund your hopefully very long life.

In light of all of this, it’s important to think outside the box when it comes to retirement.

That’s why I was so excited when I first heard about what I like to call the “$25 Retirement Plan.”

As a part of this plan, you can purchase “Notes” that deliver an average of 6–10% returns. The track record is killer. And it can deliver monthly deposits into your bank account.

Best of all? These “Notes” only cost $25 each.

You see, in a world where you can’t trust the banks and the stock market fails to deliver, people start to think outside the box.

They search for ways to take their retirement back into their own hands, without the involvement of Wall Street or financial advisors who are taking a little too much off the top.

Let’s break down the fine print of the $25 Retirement Plan:

Average 6–10% returns

99.9% security if you follow one simple rule

Very high interest possible… as high as 28%

There’s been a very good track record over the last decade

You can get checks monthly, which makes this a great retirement income stream.

Every year, it seems like the “American dream” is slipping further and further away.

Retirement is beginning to be a pipe dream — a result of low wages, increasing life expectancy, and a (soon to be) shriveled-up Social Security system. To make matters worse, millennials, who will likely live longer than any of their predecessors, are drowning in student debt.

Don’t believe me? Back in 2003, student loans amounted to less than $300 billion. Today, student loan debt has grown to over $1.2 trillion. That’s up 300% since 2003 — and is greater than the credit card debt of the entire country.

This, coupled with the fact that entry-level positions are paying next to nothing, means that millennials will have less time to save for a retirement that, when they reach it, probably won’t be padded by the government.

The fact is traditional methods of investing are not going to deliver you the returns you want, nor will they help fund your hopefully very long life.

In light of all of this, it’s important to think outside the box when it comes to retirement.

That’s why I was so excited when I first heard about what I like to call the “$25 Retirement Plan.”

The track record is killer. And it can deliver monthly deposits into your bank account.

You see, in a world where you can’t trust the banks and the stock market fails to deliver, people start to think outside the box.

They search for ways to take their retirement back into their own hands, without the involvement of Wall Street or financial advisors who are taking a little too much off the top.